Note there is a $1,500 max spend for the 5% rebate. Amounts over that get only 1% rewards, which limits the extra cash back to no more than $120 per quarter. But that can add up to a bonus of $480 for the first year.

New Account Incentives

Get 0% financing on all your purchases for 14 months from the date of account opening to help spread out the bill for a large purchase, plus the rewards.

For new account holders Discover matches cash back rebates at the end of your first year, that’s up to 10% cash back (limits apply).

Note: if the account is closed before 12 billing cycles complete, there will be no match.

* Offer applies to new cardholders only. Discount is available at Kroger Family of Stores Fuel Centers when you redeem at least 100 existing fuel points earned in a single month. You must scan, redeem fuel points and pay with your 1-2-3 REWARDS Visa Card in order to receive this fuel discount. Additional 25¢ discount offer expires one year from the cardholder’s approval date. Upon expiration, cardholder will receive additional 5¢ fuel discount at Kroger Family of Stores Fuel Centers, when they scan, redeem fuel points and pay with their 1-2-3 REWARDS Visa Card.